Short answer
The MetaMask Card is a self-custody Mastercard debit card: your tokens stay in your MetaMask wallet until you pay, then convert at checkout. Canadians can get the free Virtual card, which pays 1% back in mUSD and works with Apple Pay and Google Pay. The Metal card is US-only, and the FX fee is not stated.
Figures as of November 3, 2026.
Fees
- Annual / monthly
- Virtual card free (the Metal card, US$199/year, is not offered in Canada) (source, read 2026-11-03)
- Foreign currency
- Not stated for the Virtual card on the product page (source, read 2026-11-03)The page lists “No foreign transaction fees” for the Metal card.
- ATM
- Not applicable: the Virtual card is digital-only (source, read 2026-11-03)
- Card issuance / replacement
- Virtual card free and activated in the app (source, read 2026-11-03)
Rewards and how they pay out
- Headline
- 1% back in mUSD on the Virtual card (source, read 2026-11-03)
- Paid in
- mUSD (a US-dollar stablecoin) (source, read 2026-11-03)
- When credited
- Not stated on the product page (source, read 2026-11-03)
| Tier | Reward rate | What it requires | Monthly fee | Foreign currency | Reward cap |
|---|---|---|---|---|---|
| Virtual | 1% | Free, in the MetaMask app (source, read 2026-11-03) | — | Not stated | None stated |
Where it’s available
- Provinces and territories
- All provinces and territories (source, read 2026-11-03)No province exclusions are stated. Confirm in the app before applying.
Custody, spending and wallets
- Who holds the crypto
- Self-custody (source, read 2026-11-03)“You maintain self-custody of your funds until the second you pay.”
- How a purchase is paid
- Converts supported tokens (mUSD, wETH, USDC, USDT and others on Linea, Base, Monad and Solana) to local currency at checkout (source, read 2026-11-03)
- Apple Pay
- Yes (source, read 2026-11-03)
- Google Pay
- Yes (source, read 2026-11-03)
Regulatory status
- Platform
- MetaMask is self-custody wallet software from Consensys and is not a Canadian crypto trading platform; it does not appear on the CSA authorized list. The product page does not name the card issuer for Canada (source, 2026-09-18)
Check the platform yourself on the CSA authorized list. More in who regulates crypto cards.
The tier most people would start on, at $1,500 a month in CAD and $150 in foreign currency.
| Card and tier | MetaMask Card |
|---|---|
| Purchases in CAD | $1,500 a month |
| Purchases in a foreign currency | $150 a month |
| Rewards (at the CAD value when credited) | $198.00 a year1% of eligible spend, paid in mUSD |
| Fixed fees | $0.00 |
| Foreign-currency fees | not stated by the issuer |
| Net a year | $198.00No fixed fee to recover. |
Open this example in the calculator →Computed 2026-11-03.
What every tier could earn on that budget
$1,500 a month of Canadian purchases and $150 in foreign currency, with rewards valued on the day credited. Use the calculator for your own numbers.
| Tier | Rewards / yr | Fees + FX / yr | Net / yr |
|---|---|---|---|
| Virtual | $198 | $0 + FX not stated | $198 |
Before you apply
- Self-custody means no account recovery: lose your seed phrase and the funds are gone. See security.
- Spending a token other than a CAD-denominated balance is a disposition for tax each time you pay. See spending crypto with a card.
- The product page does not state an FX fee, card issuer or reward timing for Canada; check the in-app terms.
- Rewards are in mUSD, a US-dollar stablecoin: its CAD value moves with the exchange rate, and stablecoins are not CDIC insured.
Official sources for this card
- MetaMask — MetaMask Card — no date shown; read November 3, 2026
- CSA — Crypto platforms authorized to do business with Canadians — page dated September 18, 2026